United Community Banks, Inc. (UCB) — Cash Flow Quality Index
United Community Banks, Inc. (UCB) has a Cash Flow Quality Index of 0.83x as of March 2026. Operating cash flow of $69.28 Million is below net income of $83.74 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore long-term investment intensity of United Community Banks, Inc. to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Community Banks, Inc. Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for United Community Banks, Inc. across 26 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check United Community Banks, Inc. (UCB) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for United Community Banks, Inc. (1996–2025)
Year-by-year earnings quality comparison for United Community Banks, Inc.. For live market cap and the full company financial profile, see United Community Banks, Inc. (UCB) total market value.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.33x | $435.30 Million | $328.10 Million | ▼ -4.8% |
| 2024 | 1.39x | $349.73 Million | $250.92 Million | ▼ -11.1% |
| 2023 | 1.57x | $293.97 Million | $187.54 Million | ▼ -28.4% |
| 2022 | 2.19x | $607.31 Million | $277.47 Million | ▲ +64.3% |
| 2021 | 1.33x | $359.32 Million | $269.80 Million | ▲ +37.7% |
| 2020 | 0.97x | $158.68 Million | $164.09 Million | ▲ +16.7% |
| 2019 | 0.83x | $153.93 Million | $185.72 Million | ▼ -49.0% |
| 2018 | 1.63x | $270.01 Million | $166.11 Million | ▼ -47.0% |
| 2017 | 3.07x | $207.96 Million | $67.82 Million | ▲ +120.6% |
| 2016 | 1.39x | $139.91 Million | $100.66 Million | ▼ -12.3% |
| 2015 | 1.58x | $113.43 Million | $71.58 Million | ▲ +7.9% |
| 2014 | 1.47x | $99.28 Million | $67.62 Million | ▲ +109.2% |
| 2013 | 0.70x | $191.65 Million | $273.14 Million | ▼ -87.0% |
| 2012 | 5.41x | $183.08 Million | $33.86 Million | ▲ +197.5% |
| 2007 | 1.82x | $105.41 Million | $57.99 Million | ▲ +147.0% |
| 2006 | 0.74x | $50.65 Million | $68.81 Million | ▼ -60.0% |
| 2005 | 1.84x | $104.34 Million | $56.74 Million | ▲ +151.9% |
| 2004 | 0.73x | $34.01 Million | $46.59 Million | ▼ -62.4% |
| 2003 | 1.94x | $74.03 Million | $38.12 Million | ▲ +111.8% |
| 2002 | 0.92x | $30.06 Million | $32.78 Million | ▼ -0.1% |
| 2001 | 0.92x | $24.99 Million | $27.23 Million | ▼ -31.2% |
| 2000 | 1.33x | $19.35 Million | $14.52 Million | ▼ -21.6% |
| 1999 | 1.70x | $27.36 Million | $16.10 Million | ▲ +83.8% |
| 1998 | 0.92x | $11.24 Million | $12.15 Million | ▼ -29.0% |
| 1997 | 1.30x | $13.99 Million | $10.73 Million | ▼ -38.5% |
| 1996 | 2.12x | $17.37 Million | $8.20 Million | — |